Inez Deposit Bank

Inez Deposit Bank is headquartered in Inez and is the 81^st largest bank in the state of Kentucky. It is also the 3,496^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 53 employees at 4 locations. Inez Deposit Bank has a 4-star health rating.

Inez Deposit Bank Routing Number: 042105196

Data for Q1 2012

Institution Statistics Inez Deposit Bank OTS # 14547 FDIC Certificate # 9307 BankRate Report View Year Established 1904 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $172.65 million Loans $60.97 million Deposits $152.59 million Equity Capital $18.77 million Loan Loss Allowance $921,000 Unbacked Noncurrent Loans $1.89 million Real Estate Owned $347,000 Historic Data - March 2011 Assets $117.93 million Equity Capital $12.24 million Loan Loss Allowance $658,000 Unbacked Noncurrent Loans $1.34 million Real Estate Owned $263,000 Profit Margin - Quarterly Net Interest Margin 3.09% Return on Assets 0.23% Return on Equity 2.11% Interest Income $1.57 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Inez Deposit Bank had $2.24 million in non-current loans and owned real-estate with $19.69 million in equity and loan loss allowances on hand to cover it. This gives Inez Deposit Bank a Texas Ratio of 11.38% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Inez Deposit Bank held steady from 12.43% as of March 31, 2011 to 11.38% as of March 31, 2012, resulting in a positive change of 8.45%.This indicates that the balance sheet and financial strength for Inez Deposit Bank has held steady in recent periods. Deposit Growth In the past year, Inez Deposit Bank has increased its total deposits by $47.87 million, resulting in 45.71% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Inez Deposit Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Inez Deposit Bank has $172.65 million in assets with $19.69 million in equity, resulting in a capitalization level of 11.41%, which is above average.

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